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IMPORTANT – THIS IS A LEGAL
AGREEMENT BETWEEN YOU AND IDUGUUD INC. (“POINTWORTHY,” “WE” OR “US” OR
“OUR”). THIS WEBSITE, LOCATED AT WWW.POINTWORTHY.COM (THE "WEBSITE"),
IS OWNED AND OPERATED BY POINTWORTHY. THIS WEBSITE PROVIDES USERS WITH
ACCESS TO INFORMATION – INCLUDING INFORMATION RELATED TO CHARITIES -
WORKS OF AUTHORSHIP, AND OTHER CONTENT (THE “CONTENT”), AS WELL AS TO
A VARIETY OF SERVICES, INCLUDING THE ABILITY TO CONVERT LOYALTY/REWARD
POINTS (“LOYALTY POINTS”) INTO CASH DONATIONS (THE "SERVICES"). PLEASE NOTE: YOUR ACCESS TO
AND USE OF THIS WEBSITE ARE SUBJECT TO THESE TERMS OF USE (THE “TERMS
OF USE”), AS WELL AS ALL APPLICABLE LAWS AND REGULATIONS, AND OUR
PRIVACY POLICY LOCATED AT
www.pointworthy.com/site/privacypolicy.xhtml, WHICH IS INCORPORATED
HEREIN BY REFERENCE, ALONG WITH ANY OTHER TERMS AND CONDITIONS SET
FORTH BY POINTWORTHY. YOU SHOULD READ CAREFULLY THE FOLLOWING TERMS
AND CONDITIONS CONTAINED IN THESE TERMS OF USE AS THEY GOVERN YOUR
ACCESS TO AND USE OF THE WEBSITE, AND ANY PROGRAMS, SERVICES, TOOLS,
MATERIALS, CONTENT OR INFORMATION AVAILABLE THROUGH THE WEBSITE OR
USED IN CONNECTION WITH THE WEBSITE. POINTWORTHY IS WILLING TO LICENSE
AND ALLOW THE USE OF THIS WEBSITE ONLY ON THE CONDITION THAT YOU
ACCEPT AND AGREE TO ALL OF THE TERMS AND CONDITIONS CONTAINED IN THESE
TERMS OF USE. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, YOU ARE NOT
GRANTED PERMISSION TO ACCESS OR OTHERWISE USE THE WEBSITE. YOUR ACCESS
TO AND USE OF THIS WEBSITE CONSTITUTES YOUR ACCEPTANCE OF AND
AGREEMENT TO ABIDE BY THESE TERMS OF USE. THESE TERMS OF USE MAY BE
CHANGED, MODIFIED, SUPPLEMENTED OR UPDATED BY POINTWORTHY FROM TIME TO
TIME WITHOUT ADVANCE NOTICE BY POSTING HERE AND YOU WILL BE BOUND BY
ANY SUCH CHANGED, MODIFIED, SUPPLEMENTED OR UPDATED TERMS OF USE IF
YOU CONTINUE TO USE THIS WEBSITE AFTER SUCH CHANGES ARE POSTED. THE
DATE THESE TERMS OF USE WERE LAST UPDATED IS STATED AT THE END OF THIS
DOCUMENT. YOU ARE ENCOURAGED TO REVIEW THE WEBSITE AND THESE TERMS OF
USE PERIODICALLY FOR UPDATES AND CHANGES.

Loyalty Points Retrieval,
Processing and Disbursements; Acknowledgements; Rules for
Disbursements PointWorthy provides a technology platform that allows Loyalty Point holders of participating Loyalty Point providers to convert their Loyalty Points into cash that can then be converted into charitable donations. In order to use the platform located on the Website, you must first register, setup an account and provide certain personal information. PointWorthy reserves the right to refuse any
request to setup an account for any reason or no reason. You
understand, acknowledge and agree that in order for PointWorthy to
convert your Loyalty Points into cash on your behalf, you will need to
link your loyalty rewards account to a PointWorthy account, this
action enables us to withdraw, process and disburse your Loyalty
Points. By linking your account you hereby authorize us to make such
requests on your behalf in order to execute and complete transactions.

You understand and acknowledge that
PointWorthy is a processor of payments, processing your points into
cash, and disbursing such cash as a donation. You further understand
and acknowledge that your donation designated via the Website may be
transferred to a Donor Advised Fund (DAF) operated by a third party. A
DAF is a 501(c)(3) charitable organization and in such instances will
be the initial recipient of your donation; the DAF will subsequently
processes your donations and disburses the funds to charities based on
your recommendations. Please also note that in such instance your
Loyalty Points statement will list the name of the DAF as the
recipient “merchant” of your donation, rather than your designated
charity.

The DAF’s we work with may also provide
charity verification services, charitable fund distribution from its
DAF, and related administration and reporting services, as more
specifically described below. Additionally, PointWorthy will provide
users with the ability to search and select charities through the
PointWorthy Website. While you will have the option of passing your
personal information to your designated charity or remaining
anonymous, you acknowledge and understand, however, that in instances
in which a DAF is being used, PointWorthy will be required to provide
the DAF with certain personal information that you provide us in order
to allow the DAF to complete your transaction.

Please note that if you made a donation through Donate with Points, and the charity you designated is no longer accepting donations, is no longer recognized by the IRS as a public charity, is no longer in good standing with federal regulators, or is no longer eligible for Donate with Points, PointWorthy will cancel the portion of the donation made with Loyalty Points and credit back your Loyalty Points account. You will receive a donation cancellation email informing you of this event. If a donation or part of a donation was made using a PointWorthy e-Gift Card or a credit card, the portion of the donation funded by the PointWorthy e-Gift Card or the credit card is non-refundable. If you used a PointWorthy e-Gift Card or credit card to designate a charity that is no longer accepting donations, is no longer recognized by the IRS as a public charity, or is no longer in good standing with federal regulators, the DAF will distribute the donation to another charity that meets high public accountability standards and whose mission is similar to the designated charity that you originally selected.

Using a Credit Card Payment to Increase Your Point-Donation; Payment Processing
In some instances, PointWorthy will allow you to increase your Loyalty Point contribution by using your credit card to add additional value. PointWorthy has engaged the services of Stripe, a payment gateway, to process all such payment transactions in an effort to render the making of such payments easy and seamless. Stripe manages the routing of applicable customer information through the credit card processing networks. PointWorthy is not affiliated with Stripe, and neither is the agent or employee of the other, and neither is responsible in any way for the actions or performance (or lack thereof) of the other. Accordingly, PointWorthy expressly disclaims responsibility and liability for all services provided by Stripe, including those related to payment transactions, and you hereby agree that PointWorthy shall not be responsible for any loss or damage of any sort incurred as a result of such Stripes services. If you do not agree with these terms, you should not use Stripe. You will be required to provide certain personal information to Stripe in order for them to process your payment transaction. Any information that you provide in conjunction with, or related to, a payment transaction, will be treated in accordance with Stripe’s privacy policy, located at https://stripe.com/us/privacy, and Stripe’s Terms of Use, located at https://stripe.com/us/terms; we recommend that you review these policies for additional information.

Rescission Period ALL
TRANSACTIONS ARE SUBJECT TO A 15-DAY RESCISSION PERIOD. IF DURING THE
INITIAL 15 DAYS SUBSEQUENT TO YOUR TRANSACTION YOU DECIDE TO CANCEL
YOUR TRANSACTION, YOU CAN DO SO ON THE POINTWORTHY WEBSITE USING THE
CANCELATION FUNCTIONALITY YOU CAN ALSO CALL SUPPORT AT (888) 877-0535
OR CONTACT US AT customerservice@pointworthy.com. AFTER 15 DAYS, ALL
TRANSACTIONS ARE FINAL AND NON-REFUNDABLE, AND MAY NOT BE CANCELLED OR
REVERSED. WE RESERVE THE RIGHT TO REVIEW, CANCEL AND REVERSE ANY
TRANSACTION IN THE EVENT OF FRAUD, A CHARGE-BACK OF ANY TRANSACTION
FEE PAID BY CREDIT CARD, OR AN ERROR OR MISTAKE MADE BY US, INCLUDING
ERRORS IN ANY LOYALTY POINT CONVERSION, REDEMPTION OR SWAP RATE. YOU
HEREBY CONSENT TO THE REMOVAL OF LOYALTY POINTS FROM YOUR LOYALTY
PROGRAM ACCOUNTS AS REQUIRED BY US TO REVERSE A CANCELLED TRANSACTION.

Certain Restrictions
You understand, acknowledge and agree that you cannot accept any goods
or services in exchange for your donation. If you received goods or
services in exchange for a donation, you understand that your tax
deduction may be limited to the excess of the contribution over the
fair market value of any items received in exchange for the donation.
You understand, acknowledge and agree that the assets held in a DAF
are the organization's property, subject to the organization's
exclusive legal control, and that grant funds may be used only for charitable purposes and not for the benefit of the donor or donor advisor or other impermissible private benefit. You understand and agree that the minimum donation amount is $10.00

No Relationship with Donor
Advised Funds PointWorthy is not affiliated with any of the
DAFs with which we work, and neither is the agent or employee of the
other, and neither is responsible in any way for the actions or
performance (or lack thereof) of the other. Accordingly, PointWorthy
expressly disclaims responsibility and liability for all services
provided by a DAF, including those related to donation/disbursement of
transactions, charity verification services, charitable fund
distribution from its DAF, and related administration and reporting
services, as well as all other acts or omissions, and you hereby agree
that PointWorthy shall not be responsible for any loss or damage of
any sort incurred as a result of such DAF services.

Fees PointWorthy will charge a Processing Fee of 10% (“Processing Fee”) from your donation to cover the costs of processing and disbursement. In cases in which PointWorthy works with a DAF, we will share part of the Processing Fee with such DAF. In some instances our partner Loyalty Rewards Plans may decide to cover the processing fees. In these cases, no amount will be deducted from the donation and the entire amount of the donation is distributed to the DAF by the fifth day of every month and the DAF is instructed to forward the entire amount of the donation to the recommended charity of record on a monthly basis by the 10th day of the Month. In other cases where a donation is made through one of our partner Loyalty Rewards Plans which does not cover the processing fees, you understand and acknowledge that the 10% fee will be deducted from the donation to cover the costs of Processing and Disbursement, the remaining 90% of your donation is distributed to the DAF by the fifth day of each month and, subject to these Terms of Use, said DAF is instructed to forward the remaining 90% of your donation to the recommended charity of record on a monthly basis by the 10th day of the month.

Recurring Donation I
understand that if my donation is recurring, my first donation will be
charged immediately, and the next donation will occur in the month I
have chosen. Recurring donations are charged on the first of every
month and can be cancelled at any time before the first of the month.
If a transaction is declined the donation will be automatically
cancelled.

eGift Cards PointWorthy
provides the option to use your points to purchase an eGift Card (the
“eGift Card”). eGift Cards can be redeemed through PointWorthy's
website, www.PointWorthy.com or our partner’s websites enabled for
this purpose, for charitable donations to any of the organizations
listed on the website. You acknowledge and agree that eGift Cards are
not a credit cards, charge cards, debit cards or travelers checks.
You hereby agree to the following terms regarding the purchase and
redemption of charity eGift Cards: • eGift Cards cannot be
used to purchase eGift Cards. • eGift Cards are not redeemable
for cash and cannot be returned for a cash refund. Any unused balance
will be placed in the recipient's eGift Card account and is not
transferable. • If a transaction exceeds the amount of my
eGift Card, I must pay for the balance with a credit card. •
PointWorthy is not responsible for lost or stolen eGift Cards. You
agree to safeguard your eGift Card and treat it like cash. Point
Worthy is not responsible for lost or stolen eGift Cards. •
PointWorthy will have the right to close donor accounts and request alternative forms of payment if a fraudulently obtained eGift Card is redeemed through the PointWorthy website or the websites of any of our partners.
• eGift Cards are valid for five years from the date of purchase. After that time, they are no longer redeemable and have no value. Any remaining amounts on expired eGift Cards will be donated to charity using a DAF and assigning the amount to anyone of the top 5 charities receiving funds through PointWorthy.
• In the event a eGift Card code is non-functional,
your remedy and PointWorthy's sole liability is the replacement of
said eGift Card. • You will not use the eGift Cards to violate
or circumvent any laws, rules, ordinances or government regulations.
• You will not use the eGift Card to behave in an abusive and/or
hateful manner, and will not harass, threaten, nor attack anyone.
• You will not use profanity in any eGift Card, and will not include
language or content that is obscene, sexually oriented, or sexually
suggestive. • You will not use the eGift Card for illegal
activities.

We reserve the right to reject any request
for an eGift Card for any reason whatsoever. Furthermore, we expressly
reserve our rights under the law to take any other actions we deem
necessary.

Dedications PointWorthy
also provides you the option of dedicating your charitable gift in
another person’s honor or to memorialize a special event, like a
birthday (the “Dedication”). You hereby agree to the following terms
regarding a Dedication: • You will not use the Dedication to
behave in an abusive and/or hateful manner, and will not harass,
threaten, nor attack anyone. • You will not use profanity in
any Dedication, and will not include language or content that is
obscene, sexually oriented, or sexually suggestive. • You will
not use the Dedication to discuss illegal activities. • You
will not impersonate any person or entity.

We reserve
the right to reject message and/or Dedication for any reason
whatsoever. Furthermore, we expressly reserve our rights under the law
to take any other actions we deem necessary.

Prohibited Use You
acknowledge and agree that you shall not engage in any conduct, use or
attempt to use this Website, (i) for any unlawful, unauthorized,
fraudulent or malicious purpose, or (ii) that could damage, disable,
overburden, or impair any server, or the network(s) connected to any
server, or (iii) interfere with any other party's use and enjoyment of
the Website, or (iv) to gain unauthorized access to any other
accounts, computer systems or networks connected to any server or
systems through hacking, password mining or any other means, or (v) to
access systems, data or information not intended by PointWorthy to be
made accessible to a user, or (vi) attempt to obtain any materials or
information through any means not intentionally made available by
PointWorthy, or (vii) any use other than the business purpose for
which it was intended, is prohibited. In addition, in connection with
your use of the Website, you agree you will not: a) create a false
identity for the purpose of misleading others or impersonate any
person or entity, including, without limitation, any PointWorthy
representative, or falsely state or otherwise misrepresent your
affiliation with a person or entity; b) upload files that contain
viruses, trojan horses, worms, time bombs, cancel-bots, corrupted
files, or any other similar software or programs that may damage the
operation of another's computer or property of another; c) delete any
author attributions, legal notices or proprietary designations or
labels that you upload to any communication feature; d) violate any
applicable local, state, national or international law; e) upload or
transmit any material that infringes any patent, trademark, service
mark, trade secret, copyright or other proprietary rights of any
party; f) delete or revise any material posted by any other person or
entity; g) manipulate or otherwise display the Website by using
framing, mirroring or similar navigational technology or directly link
to any portion of the Website other than the main homepage,
www.pointworthy.com, in accordance with the limited license and site
access outlined above; h) probe, scan, test the vulnerability of or
breach the authentication measures of, this Website or any related
networks or systems; i) harvest or otherwise collect information about
others, including e-mail addresses; or j) use any robot, spider,
scraper, or other automated or manual means to access this Website, or
copy any content or information on this Website. PointWorthy reserves
the right to take whatever lawful actions it may deem appropriate in
response to actual or suspected violations of the foregoing,
including, without limitation, the suspension or termination of the
user's access and/or account. PointWorthy may cooperate with legal
authorities and/or third parties in the investigation of any suspected
or alleged crime or civil wrong. Except as may be expressly limited by
the Privacy Policy, PointWorthy reserves the right at all times to
disclose any information as PointWorthy deems necessary to satisfy any
applicable law, regulation, legal process or governmental request, or
to edit, refuse to post or to remove any information or materials, in
whole or in part, in PointWorthy's sole discretion.

Links to Third-Party
Websites/Materials This Website may contain hyperlinks to
other sites owned and operated by parties other than PointWorthy, or
to articles, resources or other materials. Such hyperlinks are
provided only for ready reference and ease of use. We do not control
such websites, and cannot be held responsible for the content or
accuracy of anything on these sites, or to any articles, resources or
other materials. In the event this Website provides hyperlinks to
other websites that are not owned, operated or maintained by
PointWorthy, you acknowledge and agree that PointWorthy is not
responsible for and is not liable for the content, products, services
or other materials on or available from such websites. We accept no
liability for any information, products, articles, resources,
materials, advertisements, content, services or software accessible
through these third party websites or for any action you may take as a
result of linking to any such website. Any such websites are likely to
set forth specific terms of use and privacy policies that you should
review. PointWorthy is under no obligation to maintain any link on
this Website and may remove a link at any time in its sole discretion
for any reason whatsoever. PointWorthy shall not be responsible or
liable, directly or indirectly, for any damages or losses caused or
alleged to be caused by or in connection with the use of or reliance
on such content, articles, resources, products, services or other
materials available on or through any such website. PointWorthy is not
responsible for the privacy practices of any other websites.

Misprints and Errors We
endeavor to provide current and accurate information on our Website.
Nevertheless, errors and misprints occur. Accordingly, we reserve the
right to reject, correct, cancel or terminate any transaction for
which the price or offer details were incorrectly displayed or for
which any other erroneous or inaccurate information was provided. We
reserve the right to do this at any time during the transaction
process, including after a transaction has been submitted and even if
the transaction has been confirmed by us. Under no circumstances are
we obligated to process or complete any transaction based on any
error, misprint or otherwise.

General Disclaimer
Content and other information contained on this Website has been
prepared by PointWorthy as a convenience to its users and is not
intended to constitute advice or recommendations upon which a user may
rely. PointWorthy has used reasonable efforts in collecting, preparing
and providing such Content, information and materials (which includes
any links to other resources), but makes no warranty or guarantee
about the accuracy, completeness, or adequacy of the Content, material
or other information contained in or linked to this Website or any
other Website maintained by PointWorthy. Additionally, this
Website contains a search tool featuring a variety of qualifying
tax-exempt organizations. The presentation of this list of charities
on the Website does not constitute a solicitation of donations;
PointWorthy does not engage in any solicitation activities on behalf
of any listed charity. Additionally, the inclusion of a charity on the
list or Website is not an endorsement by PointWorthy. Rather,
PointWorthy makes no claims, representations or recommendation in regard to any of the listed charities, and you hereby acknowledge and agree that you are not relying on PointWorthy or any information provided by PointWorthy in selection a charity(ies) to support.
Users relying on Content, materials or other information from this
Website do so at their own risk. The information and descriptions
contained herein are not intended to be complete descriptions of the
terms, exclusions and conditions applicable to the Services, but are
provided solely for general informational purposes.

YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. ALL CONTENT,
INFORMATION, MATERIALS, SERVICES ANY ANTHING ELSE ON OR LINKED FROM
THE WEBSITE ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS, AND
POINTWORTHY EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH
RESPECT TO THE WEBSITE, WHETHER IMPLIED, EXPRESS, OR STATUTORY,
INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE, TITLE, NONINFRINGEMENT OF THIRD-PARTY RIGHTS,
SATISFACTORY QUALITY, QUIET ENJOYMENT AND ACCURACY. POINTWORTHY MAKES
NO WARRANTY THAT THE WEBSITE, CONTENT OR ANY OTHER INFORMATION OR
SERVICE IS ACCURATE, TIMELY, UNINTERRUPTED, VIRUS-FREE OR ERROR-FREE,
OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED.

Limitation of Liability
IN ADDITION TO THE ABOVE WARRANTY DISCLAIMERS, YOU UNDERSTAND AND
AGREE THAT POINTWORTHY WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT,
INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING,
WITHOUT LIMITATION, DAMAGES FOR LOSS OF LOYALTY/REWARD POINTS, DATA OR
OTHER INTANGIBLE LOSSES, EVEN IF POINTWORTHY HAS BEEN ADVISED OF THE
POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY
TO USE THE WEBSITE, SERVICES OR CONTENT, BREACH OF POINTWORTHY’S
SECURITY OR ANY OUR CONTRACTORS, AFFILIATES OR AGENTS SECURITY–
INCLUDING A DAF – THAT RESULTS IN THE RELEASE OR ACCESS TO YOUR
PERSONAL INFORMATION, OR STATEMENTS OR CONDUCT OF ANY THIRD PARTY, OR
ANY OTHER MATTER RELATED TO THE WEBSITE, SERVICES OR CONTENT. YOU
UNDERSTAND AND AGREE THAT YOUR USE OF THE WEBSITE IS PREDICATED UPON
YOUR WAIVER OF ANY RIGHT TO SUE POINTWORTHY AND ITS AFFILIATES
DIRECTLY OR TO PARTICIPATE IN A CLASS ACTION SUIT FOR ANY LOSSES OR
DAMAGES RESULTING FROM YOUR USE OF THE WEBSITE.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR
THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO
YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS
MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Indemnification You
agree to defend, indemnify, and hold harmless PointWorthy, its
affiliates, its contractors, and all of their respective directors,
officers, employees, representatives, proprietors, partners,
shareholders, servants, principals, agents, predecessors, successors,
assigns, accountants, and attorneys from and against any and all
suits, actions, claims, proceedings, damages, settlements, judgments,
injuries, liabilities, obligations, losses, risks, costs, and expenses
(including, without limitation, attorneys’ fees and litigation
expenses) relating to or arising from your use of this Website, the
use of any linked websites, your reliance on any errors or omissions
on the Website, your fraud, violation of law, or willful misconduct,
and any breach by you of these Terms of Use as stated herein or as
modified from time to time in PointWorthy's sole discretion.

Eligible Users; Children
The Website and the Services are intended solely for users who are 13
years of age or older, and any registration by, use of or access to
the Website or the Services by anyone under 13 is unauthorized,
unlicensed and in violation of these Terms of Use. If you are under
13, you are forbidden to use the Website and Services. If you are 13
or older but under the age of 18, you should review these Terms of Use
with your parent or guardian to make sure that your parent or guardian
understands them, agrees to be bound by them and you should only use
the Website and the Services with their permission and under their
supervision. By using the Website or the Services, you represent and
warrant that you are 13 or older and that you agree to and to abide by
these Terms of Use. Notwithstanding anything to the contrary, if you
are in a jurisdiction in which the minimum age permissible by law to
use the Website or Services is greater than 13, all references to 13
in this section shall instead be replaced with the minimum age
permitted in your jurisdiction.

Force Majeure
PointWorthy shall not be liable for any failure or delay in
performance due in whole or in part to any cause beyond the reasonable
control of PointWorthy, including a delay in services from its
contractors, agents or suppliers, including a DAF, and also including
but not limited to utility or transmission failures, power failure,
strikes or other labor disturbances, acts of God, acts of war or
terror, floods, sabotage, fire, natural or other disasters.

Notices Any notices to
you from PointWorthy regarding the Website or these Terms of Use will
be posted on this Website or made by e-mail or regular mail.
Choice of Law These Terms of Use, and all questions about their
legality, enforceability and interpretation, shall be governed by and
construed in accordance with the laws of the State of Maryland and of
the United States of America. The venue for any action arising under
this Agreement shall be in Montgomery County, Maryland.

Website Privacy Policy
Our Website Privacy Policy, located at
www.pointworthy.com/site/privacypolicy.xhtml describes the details of
PointWorthy's information practices and procedures for personal
information we collect at this Website. We strongly urge you to read
our Website Privacy Policy.

Limited License and Site
Access; Copyright; Trademarks and Service Marks PointWorthy
hereby grants you a limited license to access and make personal use of
this Website, but not to download (other than page caching) or modify
it, or any portion of it, except with express written consent of
PointWorthy. Except as otherwise expressly stated, all Content
appearing on this Website is the copyrighted work of PointWorthy or
its third party content suppliers and is protected by U.S. and
international copyright laws. The compilation (meaning the collection,
arrangement and assembly) of all Content is also the exclusive
property of PointWorthy and is protected by U.S. and international
copyright laws. The use of Content, including images, by you, or
anyone else authorized by you, is prohibited unless specifically
permitted by PointWorthy. Any unauthorized use of text or images may
violate copyright laws, trademark laws, the laws of privacy and
publicity, and applicable regulations and statutes. PointWorthy does
not warrant or represent that your use of Content, Services, materials
or any other materials displayed on this Website will not infringe
rights of third parties. If you believe that any Content on this
Website violates or infringes upon your intellectual property rights
pursuant to Title 17, United States Code, Section 512(c)(2), please
notify us immediately at customerservice@pointworthy.com with all
specifics necessary for us to consider and respond to your complaint.
You may be asked to provide additional information and follow
additional procedures for us to act on your complaint. Certain
trademarks are the service marks and trademarks of PointWorthy or one
of its affiliates. The domain name for this Website, all page headers,
custom graphics, and button icons are service marks, trademarks,
logos, and/or trade dress of PointWorthy. All other trademarks,
service marks, trade dress, product names, company names or logos,
whether registered or not, on the Website are the property of their
respective owners. In addition to complying with all applicable laws,
you agree that you will not use any such trademarks, service marks,
trade dress, or other logos from this Website without the prior
written authorization of PointWorthy.

Date These Terms of Use were Last Updated: January 19, 2014.

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IMPORTANT – THIS IS A LEGAL
AGREEMENT BETWEEN YOU AND IDUGUUD INC. (“POINTWORTHY,” “WE” OR “US” OR
“OUR”). THIS WEBSITE, LOCATED AT WWW.POINTWORTHY.COM (THE "WEBSITE"),
IS OWNED AND OPERATED BY POINTWORTHY. THIS WEBSITE PROVIDES USERS WITH
ACCESS TO INFORMATION – INCLUDING INFORMATION RELATED TO CHARITIES -
WORKS OF AUTHORSHIP, AND OTHER CONTENT (THE “CONTENT”), AS WELL AS TO
A VARIETY OF SERVICES, INCLUDING THE ABILITY TO CONVERT LOYALTY/REWARD
POINTS (“LOYALTY POINTS”) INTO CASH DONATIONS (THE "SERVICES"). PLEASE NOTE: YOUR ACCESS TO
AND USE OF THIS WEBSITE ARE SUBJECT TO THESE TERMS OF USE (THE “TERMS
OF USE”), AS WELL AS ALL APPLICABLE LAWS AND REGULATIONS, AND OUR
PRIVACY POLICY LOCATED AT
www.pointworthy.com/site/privacypolicy.xhtml, WHICH IS INCORPORATED
HEREIN BY REFERENCE, ALONG WITH ANY OTHER TERMS AND CONDITIONS SET
FORTH BY POINTWORTHY. YOU SHOULD READ CAREFULLY THE FOLLOWING TERMS
AND CONDITIONS CONTAINED IN THESE TERMS OF USE AS THEY GOVERN YOUR
ACCESS TO AND USE OF THE WEBSITE, AND ANY PROGRAMS, SERVICES, TOOLS,
MATERIALS, CONTENT OR INFORMATION AVAILABLE THROUGH THE WEBSITE OR
USED IN CONNECTION WITH THE WEBSITE. POINTWORTHY IS WILLING TO LICENSE
AND ALLOW THE USE OF THIS WEBSITE ONLY ON THE CONDITION THAT YOU
ACCEPT AND AGREE TO ALL OF THE TERMS AND CONDITIONS CONTAINED IN THESE
TERMS OF USE. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, YOU ARE NOT
GRANTED PERMISSION TO ACCESS OR OTHERWISE USE THE WEBSITE. YOUR ACCESS
TO AND USE OF THIS WEBSITE CONSTITUTES YOUR ACCEPTANCE OF AND
AGREEMENT TO ABIDE BY THESE TERMS OF USE. THESE TERMS OF USE MAY BE
CHANGED, MODIFIED, SUPPLEMENTED OR UPDATED BY POINTWORTHY FROM TIME TO
TIME WITHOUT ADVANCE NOTICE BY POSTING HERE AND YOU WILL BE BOUND BY
ANY SUCH CHANGED, MODIFIED, SUPPLEMENTED OR UPDATED TERMS OF USE IF
YOU CONTINUE TO USE THIS WEBSITE AFTER SUCH CHANGES ARE POSTED. THE
DATE THESE TERMS OF USE WERE LAST UPDATED IS STATED AT THE END OF THIS
DOCUMENT. YOU ARE ENCOURAGED TO REVIEW THE WEBSITE AND THESE TERMS OF
USE PERIODICALLY FOR UPDATES AND CHANGES.

Loyalty Points Retrieval,
Processing and Disbursements; Acknowledgements; Rules for
Disbursements PointWorthy provides a technology platform that allows Loyalty Point holders of participating Loyalty Point providers to convert their Loyalty Points into cash that can then be converted into charitable donations. In order to use the platform located on the Website, you must first register, setup an account and provide certain personal information. PointWorthy reserves the right to refuse any
request to setup an account for any reason or no reason. You
understand, acknowledge and agree that in order for PointWorthy to
convert your Loyalty Points into cash on your behalf, you will need to
link your loyalty rewards account to a PointWorthy account, this
action enables us to withdraw, process and disburse your Loyalty
Points. By linking your account you hereby authorize us to make such
requests on your behalf in order to execute and complete transactions.

You understand and acknowledge that
PointWorthy is a processor of payments, processing your points into
cash, and disbursing such cash as a donation. You further understand
and acknowledge that your donation designated via the Website may be
transferred to a Donor Advised Fund (DAF) operated by a third party. A
DAF is a 501(c)(3) charitable organization and in such instances will
be the initial recipient of your donation; the DAF will subsequently
processes your donations and disburses the funds to charities based on
your recommendations. Please also note that in such instance your
Loyalty Points statement will list the name of the DAF as the
recipient “merchant” of your donation, rather than your designated
charity.

The DAF’s we work with may also provide
charity verification services, charitable fund distribution from its
DAF, and related administration and reporting services, as more
specifically described below. Additionally, PointWorthy will provide
users with the ability to search and select charities through the
PointWorthy Website. While you will have the option of passing your
personal information to your designated charity or remaining
anonymous, you acknowledge and understand, however, that in instances
in which a DAF is being used, PointWorthy will be required to provide
the DAF with certain personal information that you provide us in order
to allow the DAF to complete your transaction.

Please note that if you made a donation through Donate with Points, and the charity you designated is no longer accepting donations, is no longer recognized by the IRS as a public charity, is no longer in good standing with federal regulators, or is no longer eligible for Donate with Points, PointWorthy will cancel the portion of the donation made with Loyalty Points and credit back your Loyalty Points account. You will receive a donation cancellation email informing you of this event. If a donation or part of a donation was made using a PointWorthy e-Gift Card or a credit card, the portion of the donation funded by the PointWorthy e-Gift Card or the credit card is non-refundable. If you used a PointWorthy e-Gift Card or credit card to designate a charity that is no longer accepting donations, is no longer recognized by the IRS as a public charity, or is no longer in good standing with federal regulators, the DAF will distribute the donation to another charity that meets high public accountability standards and whose mission is similar to the designated charity that you originally selected.

Using a Credit Card Payment to Increase Your Point-Donation; Payment Processing
In some instances, PointWorthy will allow you to increase your Loyalty Point contribution by using your credit card to add additional value. PointWorthy has engaged the services of Stripe, a payment gateway, to process all such payment transactions in an effort to render the making of such payments easy and seamless. Stripe manages the routing of applicable customer information through the credit card processing networks. PointWorthy is not affiliated with Stripe, and neither is the agent or employee of the other, and neither is responsible in any way for the actions or performance (or lack thereof) of the other. Accordingly, PointWorthy expressly disclaims responsibility and liability for all services provided by Stripe, including those related to payment transactions, and you hereby agree that PointWorthy shall not be responsible for any loss or damage of any sort incurred as a result of such Stripes services. If you do not agree with these terms, you should not use Stripe. You will be required to provide certain personal information to Stripe in order for them to process your payment transaction. Any information that you provide in conjunction with, or related to, a payment transaction, will be treated in accordance with Stripe’s privacy policy, located at https://stripe.com/us/privacy, and Stripe’s Terms of Use, located at https://stripe.com/us/terms; we recommend that you review these policies for additional information.

Rescission Period ALL
TRANSACTIONS ARE SUBJECT TO A 15-DAY RESCISSION PERIOD. IF DURING THE
INITIAL 15 DAYS SUBSEQUENT TO YOUR TRANSACTION YOU DECIDE TO CANCEL
YOUR TRANSACTION, YOU CAN DO SO ON THE POINTWORTHY WEBSITE USING THE
CANCELATION FUNCTIONALITY YOU CAN ALSO CALL SUPPORT AT (888) 877-0535
OR CONTACT US AT customerservice@pointworthy.com. AFTER 15 DAYS, ALL
TRANSACTIONS ARE FINAL AND NON-REFUNDABLE, AND MAY NOT BE CANCELLED OR
REVERSED. WE RESERVE THE RIGHT TO REVIEW, CANCEL AND REVERSE ANY
TRANSACTION IN THE EVENT OF FRAUD, A CHARGE-BACK OF ANY TRANSACTION
FEE PAID BY CREDIT CARD, OR AN ERROR OR MISTAKE MADE BY US, INCLUDING
ERRORS IN ANY LOYALTY POINT CONVERSION, REDEMPTION OR SWAP RATE. YOU
HEREBY CONSENT TO THE REMOVAL OF LOYALTY POINTS FROM YOUR LOYALTY
PROGRAM ACCOUNTS AS REQUIRED BY US TO REVERSE A CANCELLED TRANSACTION.

Certain Restrictions
You understand, acknowledge and agree that you cannot accept any goods
or services in exchange for your donation. If you received goods or
services in exchange for a donation, you understand that your tax
deduction may be limited to the excess of the contribution over the
fair market value of any items received in exchange for the donation.
You understand, acknowledge and agree that the assets held in a DAF
are the organization's property, subject to the organization's
exclusive legal control, and that grant funds may be used only for charitable purposes and not for the benefit of the donor or donor advisor or other impermissible private benefit. You understand and agree that the minimum donation amount is $10.00

No Relationship with Donor
Advised Funds PointWorthy is not affiliated with any of the
DAFs with which we work, and neither is the agent or employee of the
other, and neither is responsible in any way for the actions or
performance (or lack thereof) of the other. Accordingly, PointWorthy
expressly disclaims responsibility and liability for all services
provided by a DAF, including those related to donation/disbursement of
transactions, charity verification services, charitable fund
distribution from its DAF, and related administration and reporting
services, as well as all other acts or omissions, and you hereby agree
that PointWorthy shall not be responsible for any loss or damage of
any sort incurred as a result of such DAF services.

Fees PointWorthy will charge a Processing Fee of 10% (“Processing Fee”) from your donation to cover the costs of processing and disbursement. In cases in which PointWorthy works with a DAF, we will share part of the Processing Fee with such DAF. In some instances our partner Loyalty Rewards Plans may decide to cover the processing fees. In these cases, no amount will be deducted from the donation and the entire amount of the donation is distributed to the DAF by the fifth day of every month and the DAF is instructed to forward the entire amount of the donation to the recommended charity of record on a monthly basis by the 10th day of the Month. In other cases where a donation is made through one of our partner Loyalty Rewards Plans which does not cover the processing fees, you understand and acknowledge that the 10% fee will be deducted from the donation to cover the costs of Processing and Disbursement, the remaining 90% of your donation is distributed to the DAF by the fifth day of each month and, subject to these Terms of Use, said DAF is instructed to forward the remaining 90% of your donation to the recommended charity of record on a monthly basis by the 10th day of the month.

Recurring Donation I
understand that if my donation is recurring, my first donation will be
charged immediately, and the next donation will occur in the month I
have chosen. Recurring donations are charged on the first of every
month and can be cancelled at any time before the first of the month.
If a transaction is declined the donation will be automatically
cancelled.

eGift Cards PointWorthy
provides the option to use your points to purchase an eGift Card (the
“eGift Card”). eGift Cards can be redeemed through PointWorthy's
website, www.PointWorthy.com or our partner’s websites enabled for
this purpose, for charitable donations to any of the organizations
listed on the website. You acknowledge and agree that eGift Cards are
not a credit cards, charge cards, debit cards or travelers checks.
You hereby agree to the following terms regarding the purchase and
redemption of charity eGift Cards: • eGift Cards cannot be
used to purchase eGift Cards. • eGift Cards are not redeemable
for cash and cannot be returned for a cash refund. Any unused balance
will be placed in the recipient's eGift Card account and is not
transferable. • If a transaction exceeds the amount of my
eGift Card, I must pay for the balance with a credit card. •
PointWorthy is not responsible for lost or stolen eGift Cards. You
agree to safeguard your eGift Card and treat it like cash. Point
Worthy is not responsible for lost or stolen eGift Cards. •
PointWorthy will have the right to close donor accounts and request alternative forms of payment if a fraudulently obtained eGift Card is redeemed through the PointWorthy website or the websites of any of our partners.
• eGift Cards are valid for five years from the date of purchase. After that time, they are no longer redeemable and have no value. Any remaining amounts on expired eGift Cards will be donated to charity using a DAF and assigning the amount to anyone of the top 5 charities receiving funds through PointWorthy.
• In the event a eGift Card code is non-functional,
your remedy and PointWorthy's sole liability is the replacement of
said eGift Card. • You will not use the eGift Cards to violate
or circumvent any laws, rules, ordinances or government regulations.
• You will not use the eGift Card to behave in an abusive and/or
hateful manner, and will not harass, threaten, nor attack anyone.
• You will not use profanity in any eGift Card, and will not include
language or content that is obscene, sexually oriented, or sexually
suggestive. • You will not use the eGift Card for illegal
activities.

We reserve the right to reject any request
for an eGift Card for any reason whatsoever. Furthermore, we expressly
reserve our rights under the law to take any other actions we deem
necessary.

Dedications PointWorthy
also provides you the option of dedicating your charitable gift in
another person’s honor or to memorialize a special event, like a
birthday (the “Dedication”). You hereby agree to the following terms
regarding a Dedication: • You will not use the Dedication to
behave in an abusive and/or hateful manner, and will not harass,
threaten, nor attack anyone. • You will not use profanity in
any Dedication, and will not include language or content that is
obscene, sexually oriented, or sexually suggestive. • You will
not use the Dedication to discuss illegal activities. • You
will not impersonate any person or entity.

We reserve
the right to reject message and/or Dedication for any reason
whatsoever. Furthermore, we expressly reserve our rights under the law
to take any other actions we deem necessary.

Prohibited Use You
acknowledge and agree that you shall not engage in any conduct, use or
attempt to use this Website, (i) for any unlawful, unauthorized,
fraudulent or malicious purpose, or (ii) that could damage, disable,
overburden, or impair any server, or the network(s) connected to any
server, or (iii) interfere with any other party's use and enjoyment of
the Website, or (iv) to gain unauthorized access to any other
accounts, computer systems or networks connected to any server or
systems through hacking, password mining or any other means, or (v) to
access systems, data or information not intended by PointWorthy to be
made accessible to a user, or (vi) attempt to obtain any materials or
information through any means not intentionally made available by
PointWorthy, or (vii) any use other than the business purpose for
which it was intended, is prohibited. In addition, in connection with
your use of the Website, you agree you will not: a) create a false
identity for the purpose of misleading others or impersonate any
person or entity, including, without limitation, any PointWorthy
representative, or falsely state or otherwise misrepresent your
affiliation with a person or entity; b) upload files that contain
viruses, trojan horses, worms, time bombs, cancel-bots, corrupted
files, or any other similar software or programs that may damage the
operation of another's computer or property of another; c) delete any
author attributions, legal notices or proprietary designations or
labels that you upload to any communication feature; d) violate any
applicable local, state, national or international law; e) upload or
transmit any material that infringes any patent, trademark, service
mark, trade secret, copyright or other proprietary rights of any
party; f) delete or revise any material posted by any other person or
entity; g) manipulate or otherwise display the Website by using
framing, mirroring or similar navigational technology or directly link
to any portion of the Website other than the main homepage,
www.pointworthy.com, in accordance with the limited license and site
access outlined above; h) probe, scan, test the vulnerability of or
breach the authentication measures of, this Website or any related
networks or systems; i) harvest or otherwise collect information about
others, including e-mail addresses; or j) use any robot, spider,
scraper, or other automated or manual means to access this Website, or
copy any content or information on this Website. PointWorthy reserves
the right to take whatever lawful actions it may deem appropriate in
response to actual or suspected violations of the foregoing,
including, without limitation, the suspension or termination of the
user's access and/or account. PointWorthy may cooperate with legal
authorities and/or third parties in the investigation of any suspected
or alleged crime or civil wrong. Except as may be expressly limited by
the Privacy Policy, PointWorthy reserves the right at all times to
disclose any information as PointWorthy deems necessary to satisfy any
applicable law, regulation, legal process or governmental request, or
to edit, refuse to post or to remove any information or materials, in
whole or in part, in PointWorthy's sole discretion.

Links to Third-Party
Websites/Materials This Website may contain hyperlinks to
other sites owned and operated by parties other than PointWorthy, or
to articles, resources or other materials. Such hyperlinks are
provided only for ready reference and ease of use. We do not control
such websites, and cannot be held responsible for the content or
accuracy of anything on these sites, or to any articles, resources or
other materials. In the event this Website provides hyperlinks to
other websites that are not owned, operated or maintained by
PointWorthy, you acknowledge and agree that PointWorthy is not
responsible for and is not liable for the content, products, services
or other materials on or available from such websites. We accept no
liability for any information, products, articles, resources,
materials, advertisements, content, services or software accessible
through these third party websites or for any action you may take as a
result of linking to any such website. Any such websites are likely to
set forth specific terms of use and privacy policies that you should
review. PointWorthy is under no obligation to maintain any link on
this Website and may remove a link at any time in its sole discretion
for any reason whatsoever. PointWorthy shall not be responsible or
liable, directly or indirectly, for any damages or losses caused or
alleged to be caused by or in connection with the use of or reliance
on such content, articles, resources, products, services or other
materials available on or through any such website. PointWorthy is not
responsible for the privacy practices of any other websites.

Misprints and Errors We
endeavor to provide current and accurate information on our Website.
Nevertheless, errors and misprints occur. Accordingly, we reserve the
right to reject, correct, cancel or terminate any transaction for
which the price or offer details were incorrectly displayed or for
which any other erroneous or inaccurate information was provided. We
reserve the right to do this at any time during the transaction
process, including after a transaction has been submitted and even if
the transaction has been confirmed by us. Under no circumstances are
we obligated to process or complete any transaction based on any
error, misprint or otherwise.

General Disclaimer
Content and other information contained on this Website has been
prepared by PointWorthy as a convenience to its users and is not
intended to constitute advice or recommendations upon which a user may
rely. PointWorthy has used reasonable efforts in collecting, preparing
and providing such Content, information and materials (which includes
any links to other resources), but makes no warranty or guarantee
about the accuracy, completeness, or adequacy of the Content, material
or other information contained in or linked to this Website or any
other Website maintained by PointWorthy. Additionally, this
Website contains a search tool featuring a variety of qualifying
tax-exempt organizations. The presentation of this list of charities
on the Website does not constitute a solicitation of donations;
PointWorthy does not engage in any solicitation activities on behalf
of any listed charity. Additionally, the inclusion of a charity on the
list or Website is not an endorsement by PointWorthy. Rather,
PointWorthy makes no claims, representations or recommendation in regard to any of the listed charities, and you hereby acknowledge and agree that you are not relying on PointWorthy or any information provided by PointWorthy in selection a charity(ies) to support.
Users relying on Content, materials or other information from this
Website do so at their own risk. The information and descriptions
contained herein are not intended to be complete descriptions of the
terms, exclusions and conditions applicable to the Services, but are
provided solely for general informational purposes.

YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. ALL CONTENT,
INFORMATION, MATERIALS, SERVICES ANY ANTHING ELSE ON OR LINKED FROM
THE WEBSITE ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS, AND
POINTWORTHY EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH
RESPECT TO THE WEBSITE, WHETHER IMPLIED, EXPRESS, OR STATUTORY,
INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE, TITLE, NONINFRINGEMENT OF THIRD-PARTY RIGHTS,
SATISFACTORY QUALITY, QUIET ENJOYMENT AND ACCURACY. POINTWORTHY MAKES
NO WARRANTY THAT THE WEBSITE, CONTENT OR ANY OTHER INFORMATION OR
SERVICE IS ACCURATE, TIMELY, UNINTERRUPTED, VIRUS-FREE OR ERROR-FREE,
OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED.

Limitation of Liability
IN ADDITION TO THE ABOVE WARRANTY DISCLAIMERS, YOU UNDERSTAND AND
AGREE THAT POINTWORTHY WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT,
INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING,
WITHOUT LIMITATION, DAMAGES FOR LOSS OF LOYALTY/REWARD POINTS, DATA OR
OTHER INTANGIBLE LOSSES, EVEN IF POINTWORTHY HAS BEEN ADVISED OF THE
POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY
TO USE THE WEBSITE, SERVICES OR CONTENT, BREACH OF POINTWORTHY’S
SECURITY OR ANY OUR CONTRACTORS, AFFILIATES OR AGENTS SECURITY–
INCLUDING A DAF – THAT RESULTS IN THE RELEASE OR ACCESS TO YOUR
PERSONAL INFORMATION, OR STATEMENTS OR CONDUCT OF ANY THIRD PARTY, OR
ANY OTHER MATTER RELATED TO THE WEBSITE, SERVICES OR CONTENT. YOU
UNDERSTAND AND AGREE THAT YOUR USE OF THE WEBSITE IS PREDICATED UPON
YOUR WAIVER OF ANY RIGHT TO SUE POINTWORTHY AND ITS AFFILIATES
DIRECTLY OR TO PARTICIPATE IN A CLASS ACTION SUIT FOR ANY LOSSES OR
DAMAGES RESULTING FROM YOUR USE OF THE WEBSITE.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR
THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO
YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS
MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Indemnification You
agree to defend, indemnify, and hold harmless PointWorthy, its
affiliates, its contractors, and all of their respective directors,
officers, employees, representatives, proprietors, partners,
shareholders, servants, principals, agents, predecessors, successors,
assigns, accountants, and attorneys from and against any and all
suits, actions, claims, proceedings, damages, settlements, judgments,
injuries, liabilities, obligations, losses, risks, costs, and expenses
(including, without limitation, attorneys’ fees and litigation
expenses) relating to or arising from your use of this Website, the
use of any linked websites, your reliance on any errors or omissions
on the Website, your fraud, violation of law, or willful misconduct,
and any breach by you of these Terms of Use as stated herein or as
modified from time to time in PointWorthy's sole discretion.

Eligible Users; Children
The Website and the Services are intended solely for users who are 13
years of age or older, and any registration by, use of or access to
the Website or the Services by anyone under 13 is unauthorized,
unlicensed and in violation of these Terms of Use. If you are under
13, you are forbidden to use the Website and Services. If you are 13
or older but under the age of 18, you should review these Terms of Use
with your parent or guardian to make sure that your parent or guardian
understands them, agrees to be bound by them and you should only use
the Website and the Services with their permission and under their
supervision. By using the Website or the Services, you represent and
warrant that you are 13 or older and that you agree to and to abide by
these Terms of Use. Notwithstanding anything to the contrary, if you
are in a jurisdiction in which the minimum age permissible by law to
use the Website or Services is greater than 13, all references to 13
in this section shall instead be replaced with the minimum age
permitted in your jurisdiction.

Force Majeure
PointWorthy shall not be liable for any failure or delay in
performance due in whole or in part to any cause beyond the reasonable
control of PointWorthy, including a delay in services from its
contractors, agents or suppliers, including a DAF, and also including
but not limited to utility or transmission failures, power failure,
strikes or other labor disturbances, acts of God, acts of war or
terror, floods, sabotage, fire, natural or other disasters.

Notices Any notices to
you from PointWorthy regarding the Website or these Terms of Use will
be posted on this Website or made by e-mail or regular mail.
Choice of Law These Terms of Use, and all questions about their
legality, enforceability and interpretation, shall be governed by and
construed in accordance with the laws of the State of Maryland and of
the United States of America. The venue for any action arising under
this Agreement shall be in Montgomery County, Maryland.

Website Privacy Policy
Our Website Privacy Policy, located at
www.pointworthy.com/site/privacypolicy.xhtml describes the details of
PointWorthy's information practices and procedures for personal
information we collect at this Website. We strongly urge you to read
our Website Privacy Policy.

Limited License and Site
Access; Copyright; Trademarks and Service Marks PointWorthy
hereby grants you a limited license to access and make personal use of
this Website, but not to download (other than page caching) or modify
it, or any portion of it, except with express written consent of
PointWorthy. Except as otherwise expressly stated, all Content
appearing on this Website is the copyrighted work of PointWorthy or
its third party content suppliers and is protected by U.S. and
international copyright laws. The compilation (meaning the collection,
arrangement and assembly) of all Content is also the exclusive
property of PointWorthy and is protected by U.S. and international
copyright laws. The use of Content, including images, by you, or
anyone else authorized by you, is prohibited unless specifically
permitted by PointWorthy. Any unauthorized use of text or images may
violate copyright laws, trademark laws, the laws of privacy and
publicity, and applicable regulations and statutes. PointWorthy does
not warrant or represent that your use of Content, Services, materials
or any other materials displayed on this Website will not infringe
rights of third parties. If you believe that any Content on this
Website violates or infringes upon your intellectual property rights
pursuant to Title 17, United States Code, Section 512(c)(2), please
notify us immediately at customerservice@pointworthy.com with all
specifics necessary for us to consider and respond to your complaint.
You may be asked to provide additional information and follow
additional procedures for us to act on your complaint. Certain
trademarks are the service marks and trademarks of PointWorthy or one
of its affiliates. The domain name for this Website, all page headers,
custom graphics, and button icons are service marks, trademarks,
logos, and/or trade dress of PointWorthy. All other trademarks,
service marks, trade dress, product names, company names or logos,
whether registered or not, on the Website are the property of their
respective owners. In addition to complying with all applicable laws,
you agree that you will not use any such trademarks, service marks,
trade dress, or other logos from this Website without the prior
written authorization of PointWorthy.

PointWorthy FAQ for Donors

PointWorthy is a payments network that makes it possible
for consumers or businesses to use loyalty reward points to make
cash donations to thousands of local, regional or national
charities.

PointWorthy is not just a button on a website, it is a full
payments network. It connects the consumer's loyalty program to
thousands of organizations, converts points to cash, clears the
transaction with all the parties, disburses the funds to the
charities and maintains all of the donation records securely for
compliance and accounting.

Donations can be made on participating reward provider's
websites or at the PointWorthy website (www.pointworthy.com).
They can also be made through a charity's website (by adding a
widget that takes a user to your organization's landing page
inside of PointWorthy).

Who uses PointWorthy?

Consumers who want to contribute to a cause they believe
in by taking advantage of loyalty reward points that they have
been given.

Companies who collect points through their employee's use
of corporate credit cards and who want to use those points in a
worthy way by donating them to charity

Non-Profits who want to enable their supporters to donate
loyalty reward points as cash.

Fundraising Service Providers who want to help their
customers take advantage of the billions of Dollars of loyalty
reward points that are distributed every year.

Loyalty Rewards Providers (financial service firms,
hospitality companies, airlines and others) others can use it to
give their members more ways to use their points as a currency
for the things they care about, including charitable
contributions.

Can donors donate to the charity of their choice, even if
the non-profit has not yet signed up with PointWorthy?

Donors can indeed donate to most causes because
PointWorthy uses IRS lists to offer donors the widest selection
of potential charities to which they can send money. Just look
up the charity you want to donate to by: Name, EIN, and Location
or use the filters that we offer.

What if I have a problem making a donation?

If you have any problems or questions, please email us,
use our help and tips links or open a ticket in our Resolution
Center and we will help resolve the problem.

Is donor information shared with the organizations that
receive donations through PointWorthy?

PointWorthy only shares the contact information that the
Donor selects to share in the My Basket page. Aside from passing
that information to the nonprofit, PointWorthy makes every
effort to respect and protect your privacy. We will, therefore,
never sell, trade or rent your personal information to other
individuals or companies. All of the information that you
provide is used specifically to complete the donations you
request. If you do not wish send any personal information,
including your name and contact information with the charity or
charities you support through PointWorthy you should leave
"un-checked" the contact information sharing options under My
Basket and your request will be honored by not disclosing any
information.

For more information, read PointWorthy's comprehensive
Privacy and Security Policy.

How do I view my Giving History?

Your Giving History is located under My Account, which you
can access by logging in using the user name and password you
chose during registration. Once under My Account, click on the
link called Donation History.

When will the charity receive the money that I have
donated?

Donation checks are processed once a month on the 10th of
the month following the date when a donation becomes active. As
an example, if a donation is made on March 19th, PointWorthy
will send the funds by April 10th The confirmation you receive
when the donation becomes active should be sufficient to serve
as a receipt for tax purposes.

How does my donation get to the organization I have chosen?

Contributions are made to Make My Donation, Inc, a 501(c)(3) charitable organization operating a donor-advised fund which then issues a charitable grant to the identified charity/charities.

Will I receive a donation confirmation once the money has
been sent?

Yes, once the donation has been processed, the donor will
be able to print the receipt and PointWorthy will also send a
receipt via email. The receipt will indicate that it is made to Make My Donation, Inc, a 501(c)(3) charitable organization operating a donor-advised fund which then issues a charitable grant to the identified charity/charities. Also, since all donations made through PointWorthy appear
in your account, you can log into your account to view donations
for any given year.

Are donations safe and secure?

Security on our system is provided by using Secure Sockets
Layer (SSL), the standard security technology for establishing
an encrypted link between a web server and a browser. In other
words, by using SSL a temporary link is established between the
server and website to ensure that all data passed between the
web server and browsers remain private and integral. Your data
will always be "encrypted" so it is unreadable to anyone outside
of the transaction process. SSL is an industry standard and is
used by millions of websites in the protection of their online
transactions with their customers. For more information, please
read the PointWorthy Privacy & Security Policy.

In addition, PointWorthy's web site uses industry standard
security measures to protect against the loss, misuse and
alteration of the information under our control and all
information is stored in a secure database.

Are donations using rewards points tax deductible?

Yes. All charities on our network are tax-exempt and
donations are fully deductible to the full amount allowed by
law.

Note: Not all donations can be claimed as charitable
deductions all of the time, even if the organization is
registered as a nonprofit. Donors are advised to check with a
tax professional on whether or not a deduction applies in each
specific case.

What are the fees involved in processing the points and
disbursing the donation?

However, PointWorthy's standard 10% processing fee will
not be deducted from donations made by redeeming Hilton Honors
Points because those fees will be covered by the Hilton Honors
Program, meaning the entire donation made using Hilton Honors
Points will be sent to the charity.

Can donors make a donation as a gift or in memory of
someone?

Charity is a great gift for every purpose and occasion. Donate
in a friend's, family member's, client's or colleague's name to
a cause that is aligned to their preference. It's a thoughtful
gift that they're sure to appreciate. Donors may also designate
a donation to a specific program or fund, all available once
they add a charity to the checkout basket.

How Do Gift Donations Work?

After selecting a charity, the donor has the option to
personalize the gift by filling-in the name of a friend or loved
one in whose name the donation is to be made. To let someone
know about the gift, PointWorthy provides the option to send an
email notification to the friend or family member notifying them
of the donation.

Can donors make an anonymous donation?

Yes, donating anonymously is an option; simply leave all
contact sharing options un-checked. When an anonymous donation
is made the charity will receive information about the donation
amount but it will not receive the donor's name or any other
contact information. Read more about user privacy rights in the
PointWorthy Privacy and Security Policy.

Can a donation be canceled?

All donations made through PointWorthy are nonrefundable.
However, all dispute inquiries should be directed to Customer
Care

Is there a minimum donation amount?

Yes, the minimum donation amount that we can process is
$10.00 (4,000 Hilton Honors Points)

What happens to my donation if the charity is not
available or no longer accepting donations?

If a donation was made through Donate with Points and in
the event that you have redeemed your Hilton Honors Points for
a charity that is no longer accepting donations, is no longer
approved by the IRS as a 501(c)(3) charitable organization or is
no longer eligible for Donate with Points, PointWorthy will
cancel your donation and process the cancelation in order to
have your Hilton Honors Points credited back to your Honors
account. You will receive a donation cancelation email informing
you of this event.

If a donation was made using a PointWorthy e-Gift Card or
Credit Card, the donation is non-refundable and in the event
that you have used the PointWorthy e-Gift Card for a charity
that is no longer accepting donations, is no longer approved by
the IRS as a 501(c)(3) charitable organization, or is no longer
in good standing with public regulators, another charity that
meets high public accountability standards and whose mission is
similar to the organization that you originally selected will be
chosen and the money directed to that charity.

Can donors make a donation without creating an account?

As yet another way to ensure security for all of our
members, this is not allowed. All donations require creating a
PointWorthy account and an active Hilton Honors account are If
the user wants to make a donation, both accounts must be created
before checkout.

How is donor privacy protected?

We take privacy concerns very seriously. Because of this
we give all individual donors full control over who receives
their personal information, including: details about their
transaction or any other personal information. We, therefore, do
not use the personal information provided by individuals, except
to complete the transaction. Donors may also choose to make
their donation anonymously. We never sell, trade, or rent
personal information to other individuals or companies. Read
more about the PointWorthy Privacy and Security Policy.

When an account is created with PointWorthy the
accountholder may receive occasional emails from us to update
on topics of importance, like: point balances, charities,
account changes or other developments that we consider relevant
and noteworthy to each individual.

Links: This web site may contain links to other sites.
Please be aware that PointWorthy is not responsible for the
privacy practices of such other sites. We encourage our users to
be aware when they leave our site and to read the privacy
statements of each and every web site that collects personally
identifiable information. This privacy statement applies solely
to information collected by this web site.

Changes to the Policy: PointWorthy periodically reviews
and updates our policy for communicating with you via occasional
email updates. We will post any updates about that policy on our
website. In addition, to ensure proper custodianship of any
information provided to us, PointWorthy's web site uses industry
standard security measures to protect against the loss, misuse
and alteration of the information under our control and all
information is stored in a secure database.

Is donor information collected on the site shared with
the organization to which a donation is being made through
PointWorthy?

PointWorthy only shares the contact information that the
Donor selects to share in the My Basket page..

Aside from passing that information to the nonprofit,
PointWorthy makes every effort to respect and protect your
privacy. We will, therefore, never sell, trade or rent your
personal information to other individuals or companies. All of
the information that you provide is used specifically to
complete the donations you request. If you do not wish send any
personal information, including your name and contact
information with the charity or charities you support through
PointWorthy you should leave Un-Checked the contact
information sharing options under My Basket and your request
will be honored by not disclosing any information.

For more information, read PointWorthy's comprehensive
Privacy and Security Policy.

When our registration/order form asks users to enter
sensitive information (such as client number, credit card number
or frequent flyer number), that information is encrypted and is
protected with the best encryption software in the industry. We
use Secure Sockets Layer (SSL) technology to keep donor's
personal information as secure as possible. Secure Sockets Layer
(SSL) is the standard security technology for establishing an
encrypted link between a web server and a browser.

In addition PointWorthy has numerous controls in place to
assist with the monitoring and prevention of fraud including
identity verification for every transaction as well as the
requirement of the CSC code and address validation in cases of
credit card transactions. Our commitment to protect and guard
the privacy for each one of our users is taken very seriously,
reason for which we continually enhance our fraud protection
systems and our other processes to fight fraud and identity
theft.

Read more about the PointWorthy Privacy and Security
Policy

Review our FAQs

Many of the commonly asked questions are answered here.

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